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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,268 | $72,012-67.7% | $185,827-87.5% | $79,858-70.9% |
| Participation rate | 42.9% | 65.8%-22.9pp | 78.0%-35.2pp | 69.6%-26.8pp |
| Annual return | 1.40% | 23.12%-21.7pp | 35.96%-34.6pp | 31.72%-30.3pp |
| Employer contribution / active EE | $698 | $1,965-64.5% | $4,087-82.9% | $2,471-71.7% |
| Participant deferral / active EE | $2,653 | $3,779-29.8% | $5,633-52.9% | $3,740-29.1% |
| Admin fee / account holder | $4,581 | $4,513+1.5% | $9,502-51.8% | $5,306-13.7% |